<TABLE> <S> <C>


<ARTICLE>                                            9

                       
<MULTIPLIER>                                         1      
       
<S>                                            <C>
<PERIOD-TYPE>                                  Year
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                           5,617,359
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                 5,966,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      4,753,962
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                         41,989,950
<ALLOWANCE>                                      1,274,285
<TOTAL-ASSETS>                                  59,580,402
<DEPOSITS>                                      54,300,353
<SHORT-TERM>                                        65,000
<LIABILITIES-OTHER>                                771,509
<LONG-TERM>                                        500,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                           411,173
<OTHER-SE>                                       3,532,367
<TOTAL-LIABILITIES-AND-EQUITY>                  59,580,402
<INTEREST-LOAN>                                  3,614,790
<INTEREST-INVEST>                                  290,683
<INTEREST-OTHER>                                   206,364
<INTEREST-TOTAL>                                 4,111,837
<INTEREST-DEPOSIT>                               1,713,903
<INTEREST-EXPENSE>                               1,773,261
<INTEREST-INCOME-NET>                            2,338,576
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  1,981,615
<INCOME-PRETAX>                                    946,289
<INCOME-PRE-EXTRAORDINARY>                         601,678
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       601,678
<EPS-PRIMARY>                                         1.47
<EPS-DILUTED>                                         1.47
<YIELD-ACTUAL>                                        5.27
<LOANS-NON>                                        448,000
<LOANS-PAST>                                         4,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                    452,000
<ALLOWANCE-OPEN>                                 1,159,173
<CHARGE-OFFS>                                      135,693
<RECOVERIES>                                       250,805
<ALLOWANCE-CLOSE>                                1,274,285
<ALLOWANCE-DOMESTIC>                             1,083,285
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            191,000
        


</TABLE>